Chase Sapphire Preferred® Card

The following table shows the features, rates, and other key data for the Chase Sapphire Preferred® Card offer in Chase offers. These terms are updated on a daily basis by the CreditCards.org database. If you wish to apply for the card, you may do so securely on its official website by clicking the Apply Now button below:
Chase Sapphire Preferred® Card Apply Now
  • Earn 40,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $500 in travel when you redeem through Chase Ultimate RewardsSM
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening.
  • 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
  • No foreign transaction fees, plus Chip and Signature enabled for international travel.
  • 1:1 point transfer to leading frequent travel programs at full value – that means 1,000 Ultimate Rewards points equal 1,000 partner miles/points.
  • 24/7 direct access to dedicated customer service specialists
  • Introductory Annual Fee of $0 the first year, then $95
730
average
645
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.99%* Variable Introductory Annual Fee of $0 the first year, then $95* Excellent Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 15.99% Variable*
Annual Fee Introductory Annual Fee of $0 the first year, then $95*
Credit Needed Excellent Credit*

Credit Score Needed

Chase Sapphire Preferred® Card is generally for people with Excellent Credit, though other factors besides credit score can also determine whether a particular application is accepted. See more Chase offers.

Most Helpful User Review

Commented at Oct 17, 2012

I applied back in March and was denied due to not having another CC with a similar credit limit of the $5000 minimum on the Sapphire Preferred. Back then my FICOs were EQ704 and TU709. After 6 months of working on my credit and getting new cards with larger limits, and getting increases on current cards, I applied last week and was approved!! I was approved with FICOs of EX715, EQ729. My AAoA is 3+ years, utilization of 1%, and my other CLs were $4250, $4000 and 2 $1250. They instantly approved me for $5000! Called the regular customer service number and had them overnight it to me for Friday because I wanted to book a trip. It didn't end up arriving. Ended up calling the Sapphire specific line and had them overnight it to me for Monday. I did receive it Monday but not at my business address as I had requested. O well, atleast it wasn't stolen out of my mail box(I live on a busy street)

So far I love it. It's a beautiful card, and has some heft to it. I've already received many compliments on it. The 40,000 bonus points(after spending $3k) surely doesn't hurt as I have already almost reached $2k spending on it.

Booking flights through Ultimate Rewards mall isn't cheaper in my experience. It does give you 3 points/dollar. But you can book through another travel website via a link on the site, and it will give you 4points/dollar, and its cheaper.

This card gives you 2 points/dollar when spent on travel(including taxis and tolls), 7% dividend on points earned in the year, no forex fees. Also if you have the Chase Trifecta(a chase checking account and the Freedom cards) the rewards really start adding up!

Review by SwiftTone

User Reviews

Average Rating: 9.4 out of 10 based on 331 user ratings.
Commented at Feb 24, 2015

I've had this card since 2010, it was the very first travel rewards card I applied for and was instantly approved for. I was in college at the time, and only because I had opened all the utility and cable accounts in my name and against my social security number for the previous two years (plus a BofA credit card) did I have a high enough credit score to get this card. 

The card is the best for international travel as their is no foreign transaction fee and it has a chip so it works globally as most countries in Europe haven't used a swiped card in nearly a decade. 

With earnings of 2 points per dollar on all travel (except gas) and dining expenses points add up quickly and with the many different airline and hotel transfer partners available there are so many ways to redeem points for that vacation you thought was only a dream!

I highly recommend this card, but you need to have excellent credit and MUST pay your balance in full every month. If you are someone who only pays the minimum balance each month this card isn't for you, and neither is any travel rewards card as the all have the highest APR rates!

Review by jollyman89
Commented at Feb 23, 2015

I utilize this card mainly for dining right now. $11,100 limit with 823 Fico.  I'm saving my points for travel. Book your travel through the Chase website and you can earn about 1.2 times the value of your points. You can also use Chase points from this card and Chase Freedom cards on Amazon.com to purchase items.  You can also transfer points from one card to another on the Chase website. I pay it off every month due to the interest rate. 

Review by mindjazz
Commented at Feb 23, 2015

If you don't get approved right away, call the reconsideration phone number. You'll have a very, very good chance of being approved. Regardless of what your credit score is. I got approved for 3 chase cards with a combined limit of over $20k by taking 5 minutes to call the reconsideration number. 

Review by Anonymous
Commented at Feb 23, 2015

 First thank you Chase for giving me the change to have such a great card on my side, I would start with the feeling of this card is way different than the others I have before (Amex, Discover, Etc..) its heavy, I think is made of metal (for real), and they didn’t approved me right away, they first send me and email to call them, then they send me a letter for me to send them some proof of address, ids, etc.. but at the end they got me in with a CL of $5,000 with a 0 intro fee for a year and $95 after the first year, but the rewards programs would cover that feed and surpass it so I’m not worry about that… I only have less than 2 years building my credit, never missed a payment and trying to keep my overall credit limit under 30%, I apply even when Credit Karma says I only have a “Fair” chance to get approved since I want it to have this card after reading all the reviews but was a little worry since most people only get this card with over the 700’s score… If you get this or any other new good cards please be responsible and remember is a credit line, no free money to spend, you still have to paid it back… ;-) , credit is everything here in the USA so keep it clean and good ;-)

Review by HappyCreditCamper
Commented at Feb 11, 2015

I didn't get instant approval and wait for a week to receive the result. Like this card so much!

TR 718 Exquifax 709!

Review by haw366

Credit Limit

If approved for the card, the issuer will notify you of the credit limit on your card. Please see the Chase Sapphire Preferred® Card for complete terms, conditions, and details of the offer.

+ This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.